Risk Analyst

**The Opportunity**

Shawbrook is a new type of specialist financial services company, combining the relentless focus on customer service and innovation you would expect from a fintech with the expertise and certainty of a bank. Shawbrook is driven by a purpose to solve complexproblems that unlock opportunity for its rapidly growing customer base of over 300,000 UK consumers and businesses.

Our success would not have been possible without our Team. Our people differentiate us from the competition through their deep sector knowledge, they are the life force of our business.

Join Shawbrook because you:

- Want to help us deepen our industry sector knowledge, combining technology alongside the best banking brains.
- Want to build a bank for the future and be part of our digital transformation journey that will enable customers & businesses to thrive.
- Want to continue to grow professionally. We encourage you to grow and be the best version of yourself.
- Care about sustainability? We want to be better for our people, environment, and society.
- Bring passion and enjoyment to your work. You’ll work hard but you’ll have fun too.

**The Role & Responsibilities**

A valuable member of the consumer credit risk team to support the growth program within the consumer finance division. The role will involve assessing current new business trends and strategy to optimise the banks’ lending. Frequent use of SAS, SQL and Excel.
- To support the bank’s growing demands for development, enhancement and maintaining of credit portfolio analytics and reporting functions
- Develop a good understanding of the current new business risk strategies across the multiple consumer products
- Provide support in further improving current acceptance rate whilst maintaining portfolio loss rates
- Provide analytical support for strategic changes to back book strategies
- Assist in impact assessment of infrastructural improvements to new business strategies and ramifications for the business
- Identify opportunities to automate new business strategy
- Work in collaboration with internal and external business partners to achieve consumer balance growth targets
- Develop and improve new business strategy analytics across multiple asset classes
- Produce accurate and timely cyclical and ad-hoc reporting
- Contribute towards the development of management information reports
- Testing of strategy changes within the decision engine

**The Person**
- Degree level qualification in mathematics, science, engineering, business, economics, or similar discipline
- Good understanding of credit risk concepts, in particular consumer finance
- Experience in building and implementing credit risk strategies
- 1+ years’ experience working in financial services in a similar role
- Highly numerate with a track record in data driven analysis
- Strong SAS programming skills including Macros
- Strong data handling and processing skills, for example SQL programming
- Strong quantitate & analytical background
- Good communication skills, including an ability to discuss complex analytical ideas with non-technical colleagues in a meaningful way
- Accuracy & attention to detail
- Excellent planning and organisational skills
- "Can do" attitude, very good problem solving
- Willingness and desire to learn fast and acquire new skills
- Able to work under pressure and to tight deadlines
- Good verbal and written communication skills
- Establishes effective working relationships at all levels
- Ability to work as part of a team